For eBay purchases, what is the fastest way to pay if I have no more money in my Paypal account? I've been purchasing a lot on eBay recently, and I have no more funds on PayPal. Fund transfers from bank accounts take 3-5 business days, but I want to pay for the items now so they can be shipped sooner. What is the fastest payment option that takes less than 3-5 days? Also, if I withdraw from my PayPal account money that I don't have, will I be charged a fee, or will I just owe PayPal?